Fulton Financial’s second quarter performance was characterized by strong operating earnings, with management attributing the results to the successful integration of Blue Foundry Bank and ongoing expansion in consumer lending. CEO Curt Myers emphasized that the Blue Foundry acquisition enhanced the company’s presence in Northern New Jersey and broadened its customer base. Operating net income reached a record high, and management highlighted disciplined execution, favorable credit trends, and diversified fee income as key factors supporting growth during the period.

Is now the time to buy FULT? Find out in our full research report (it’s free for active Edge members).

While we enjoy listening to the management’s commentary, our favorite part of earnings calls is the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention.

Our Top 5 Analyst Questions From Fulton Financial’s Q2 Earnings Call

• Daniel Tamayo (Raymond James) asked about the drivers behind the reduced loan growth guidance and prospects for returning to higher growth. CEO Curt Myers clarified the change was due to modest first-half growth and integration timing, but expects normalized growth in coming periods.

• David Bishop (Hovde Group) inquired about funding costs and deposit pricing competition. Myers and CFO Rick Kraemer explained that deposit costs have edged up but remain well controlled, supported by customer relationships and targeted promotional offerings.

• David Konrad (KBW) sought details on potential headwinds from Blue Foundry’s loan book. Myers responded that integration has been smooth, with no material headwinds anticipated for the remainder of the year.

• Manuel Navas (Piper Sandler) questioned the rise in net charge-offs. Myers attributed the increase to timing on account resolutions and emphasized that it was not driven by newly identified credit issues.

• Matthew B. (Stephens) asked about deposit mix changes post-Blue Foundry acquisition and expectations for remixing brokered funds. Kraemer detailed efforts to reduce wholesale funding and leverage promotional deposit campaigns in new markets.

Catalysts in Upcoming Quarters

Looking ahead, our analysts will closely monitor (1) the pace of post-integration cost savings and operational efficiencies from the Blue Foundry deal, (2) the trajectory of organic loan and deposit growth—especially in Northern New Jersey, and (3) management’s ability to defend and expand net interest margins amid ongoing deposit competition. Additionally, execution on hiring and customer acquisition in new markets will be important signposts for future growth.

Fulton Financial currently trades at $24.68, in line with $24.44 just before the earnings. Is the company at an inflection point that warrants a buy or sell? Find out in our full research report (it’s free).

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